Enrollment ends on January 2014.

Beginning tomorrow (10/1), enrollment ends March 31, 2014. If you pick a plan by Dec. 15, 2013, your coverage begins on Jan. 1, 2014. But if you’re one of those late to the party, you will be required to pay a tax penalty next year to the IRS — to the tune of $95 per individual, $285 per family.

Keep playing with Doctor Sam and that fine rises to $325 per individual, $975 per family in 2015. You’ll only be able to apply for insurance if you experience a major life change.

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